For winter, I use Nokian Hakkapeliitta studded winter tires. When it snows, driving is good as opposed to treacherous. Since I’d rather live longer, I use winter tires in the winter.
With summer tires, you are more likely to slide when you are trying to stop, slide when you are trying to turn, bounce sideways when you are driving in tire ruts in slush or heavy snow, and spin your tires when you require traction to get moving up a hill or get moving in heavy snow. How serious is it? Well in Quebec it is illegal to not use winter tires in winter months, and in Ontario all auto insurance companies are required to give a discount to you if you use winter tires in winter months, such that it in the long run it is cheaper to use winter tires in the winter even after the cost of a second set of rims is factored in.
To grip the road, a tire must be soft but not so soft as to prematurely wear down. To be at the optimal softness when in use, winter tires are made of a softer compound than summer tires, due to the air and road temperatures in the winter not warming up tires as much as in the summer. The good part of this is that winter tires work far better in the winter compared to summer tires used in the winter due to summer tires not being soft enough in the winter to grip the road. The bad part of this is that winter tires are so soft that if they wear faster, and if they are used in the summer they will prematurely wear out – thus the need to switch to summer tires for the summer.
Aside from the soft grip issue, winter tires usually have more sipes (slits in the treads that let the treads flex more and dissipate water more) and deeper treads with broader channels to dissipate more water, snow and slush. These features make a big difference in helping you control your vehicle on snow or ice.
Studded winter tires used to perform better on ice than non-studded winter tires, however, that is debatable now depending on the make and model of winter tire. Finland’s Nokian, which made its reputation on winter tires, is still pushing studded winter tires as being the best for winter driving. The tread of studded winter tires is not worn down quite as quickly due to the studs (although the studs wear down on dry pavement), but there is a little bit of noise and a slight vibration when using studs on dry pavement. Studs harm pavement, so they are restricted to use in winter months only: “2006 Code of Virginia § 46.2-1044 - . . . The use of studded tires shall be permissible only from October 15 to April 1”
For non-studded tires, consider Nokian Hakkapeliitta or Goodyear Blizzak. Both are excellent in snow and brilliant on ice.
For studded tires, consider Nokian Hakkapeliitta with studs molded into the tire during the tire’s manufacture. Studs inserted by the tire store are good, but rip out more frequently. Do not insert studs if the tire has been used. Studs are inserted by shooting them into the stud holes. If there is already grit in a hole and stud is shot it, there is a risk that the grit will push down into the tire and weaken it, and there is a risk that if it does not do the former, it will prevent the stud from being fully seated, leading to the stud ripping out during use.
Rather than re-mount tires on rims twice a year, purchase a second set of rims for the winter tires. Heavy steal rims will deal with snow and slush on the highway better than light aluminum rims (and second hand steel rims are inexpensive if cost is an issue). Cost wise, in the long run it only comes down to the cost of an extra set of rims, for when you are not using a set of tires, they are not wearing out. Be sure to keep track of which tire is were on the vehicle, and make the swaps during a tire rotation.
What it comes down to is weighing the safety of you, your passengers, and other users of the road against the cost of a set of rims.